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MNT-Halan acquires 100% of Advans Pakistan from Leading International Microfinance Group

• This strategic acquisition marks an inaugural expansion for Egypt’s leading fintech and first unicorn
• The acquired bank provides MNT-Halan an immediate scale with over 62,000 clients and 19 branches

Cairo ─ On 26th March 2024, MNT-Halan, Egypt’s leading fintech announced that it has acquired Advans Pakistan Microfinance Bank, a subsidiary of International Microfinance Group Advans which operates in Africa and Asia. The State Bank of Pakistan and the Competition Commission of Pakistan have both approved the transaction.

As a result of the transaction, MNT-Halan will accelerate the Bank’s development and digital transformation to better serve its clients, in line with its core strategy, whether they are micro, small or medium business owners. With similar demographics, cultures, and regulatory frameworks, Pakistan provides an attractive market opportunity for MNT-Halan to deliver its innovative financial products.

Commenting on the transaction, Steven Duchatelle, CEO Advans Group, stated, "The Advans Group has successfully achieved its objective of establishing a leading microfinance institution in Pakistan for small businesses in the Sindh region. After a decade of dedicated efforts, we were looking for a shareholder in the capacity to invest massively in the bank’s growth and digitization and decided to transfer ownership to MNT-Halan, which shares our vision of extending financial access to underserved populations. We anticipate that their digital services will significantly enhance client engagement and retention, further advancing our mission."

MNT-Halan Founder and CEO Mounir Nakhla added, “Pakistan is very similar to Egypt; it has a large population that is underbanked and that is heavily reliant on cash. We are excited to extend our services to Pakistan and help unlock access to financial services by leveraging both our technology and our experience. As we deepen our presence in Pakistan, we are committed to continuing to invest, expand our product offering, and make a profound impact on all stakeholders.”

About MNT-Halan:

MNT-Halan, Egypt’s first unicorn, was founded in 2018 in Egypt, with a mission to revolutionize access to financial services through technology. Serving millions, MNT-Halan’s transformative digital platform improves lives by creating convenient, seamless, and cost-effective financial solutions for people and aspiring businesses. Committed to innovation and simplicity for everyday life, MNT-Halan believes financial access enables people to fulfill their dreams. The MNT-Halan digital ecosystem includes small and micro-business lending, payments, consumer finance, and e-commerce. With +1.5 million quarterly active users, MNT-Halan disbursed over 3.5Bn in loans and served more than 7 million customers in Egypt, of which 5 million are financial clients and 3 million are borrowers. MNT-Halan holds the micro, consumer, and nano finance licenses from the Financial Regulatory Authority and the first independent electronic wallet license from the Central Bank of Egypt to disburse, collect and transfer money digitally through mobile applications.

About Advans Group:

Advans is a leading international microfinance group established in 2005 with a mission to build a model group of financial institutions, which contribute to strengthening local businesses, creating and sustaining jobs and improving clients’ living standards to foster private sector-led economic and social development in Africa and Asia. With a loan portfolio of 1.7 billion Euros, and 1.1 billion EUR in deposits, Advans operates in Cambodia, Cameroon, Ghana, Democratic Republic of Congo, Cote d’Ivoire, Nigeria, Tunisia, Myanmar. The Group’s 7,500 employees serve over 1.25 million customers.


Sunwai-Customer Complaint Service

To register your complaint related to General Banking or Roshan Digital Account , please visit Sunwai-Customer Complaint Service at This is an official portal of the State Bank of Pakistan to protect consumer rights.



The Government of Pakistan has established "Prime Ministers’ Relief Fund for Türkiye’s Earthquake Victims" to support Turkish affected families during tragic calamity. For the relief and rehabilitation of the victims of the earthquake, Advans Pakistan is accepting donations at all our branches in A/C: 1010060753. 



We hereby inform our Business Partners and Account Holders that to provide better and timely services, we are relocating our GOL MARKET BRANCH to the following new location with effect from 12 December 2022.

New Address ; Advans Pakistan Microfinance Bank, Ground Floor, United Castle Builiding

Plot No. AR-1, Survey No, 34-35, Block -10, KDA Scheme 24, Gulshan-e-Iqbal, Near Sindbad amusement park, Karachi

For further details, pls contact Tel : 0301-8644162, 0305-3365429



Donations to the "Prime Minister's (PM) Flood Relief Fund" and "Balochistan Flood Relief & Rehabilitation Fund" are accepted at all advans pakistan microfinance bank branches


As per SBP circular, Few branches will be open tomorrow, Friday, 08th July 2022 from 09:00 a.m. to 04:00 p.m to facilitate customers during Eid Holdays

  1. Korangi Karachi Branch
  2. Mehmoodabad Karachi Branch
  3. Latifabad Hyderabad Branch
  4. Larkana Branch
  5. Sukkur Branch
  6. Ghotki Branch
  7. Nawabshah Branch

#strongertogether  #safetogether  #smarttogether  

CEO Message to Advans Pakistan clients

Dear Valued Clients,

It has been 7 years since we began operating in Pakistan, and we will continue to be at your side and support you for many years to come.

Here at Advans, we are determined to do everything we can to help you through this crisis. We are working hard on implementing the most effectives methods to manage your respective situations.

We are also working closely with Pakistani authorities, as well as national and international partners to ensure we find the best solutions for you. 

Regarding your loan, we will offer adapted solutions to each customer and each situation. Particularly, if you need it, we will make sure to alleviate the burden of your loan repayment by granting you a grace period of 2 months, allowing you to focus on the wellbeing of your family and take care of your loved ones. 

Because each client is unique, we adapt our solutions to your needs.

That is why your loan officer has contacted or will contact you in the next few days to discuss the impact of this crisis on your business and the best solutions to guide you through it.

Dear customers, rest assured: we are handling the situation and remaining vigilant. 

For the time being, what is most important is to take care of yourself and your loved ones and to comply strictly with the confinement instructions (if your business is not among the "vital sectors").

Please wait for the call from your loan officer or contact them; if you have an urgent question contact our call centre at 111-238-267.



Guillaume Valence, CEO

Read the message - EN

Read the message - Urdu


COVID-19 "Grace Period Offer to Loan clients"

During this difficult time, Advans Pakistan Microfinance Bank has taken measures to support its customers which includes offering an initial grace period to borrowers with following conditions:

  • Eligible Clients: The offer shall be available for loans which were regular on / or after February 15, 2020 and became non-performing subsequently.
  • Eligible clients, depending on the acceptance of offer, will not be required to make loan repayments for an initial period of 2 months.
  • Interest will continue to be accrued during the grace period, and will be charged on the remaining loan installments after the grace period.

For any queries; please contact us at: 111-238-267<wbr />asp

Advans supports its clients during the Covid-19 crisis with some key advice

Discover our videos below.

Message from Advans Pakistan Head of Sales and Distribution

Key tips to protect yourself and others from the Corona virus English

Managing your business during the Coronavirus crisis

Key tips to protect yourself and others from the Corona virus Urdu

How to wear a mask properly during Corona Virus Pandemic

SOPs Advised by the Government